ZIP Code 45118 — Lake Lorelei CDP, OH Demographics & Data

ZIP code 45118 covers Lake Lorelei, OH in Brown County with a population of about 3,789.

At a glance, the area shows median age of 42.6 versus a U.S. median of about 38.9.

It sits in telephone area codes 283, 513; U.S. House district OH-2; the CINCINNATI media market.

Median household income in ZIP 45118 is about $92,469 — about 23% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.3%; unemployment rate near 3.2%; 16.1% of adults with a bachelor’s degree or higher (about 17.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Construction, and Healthcare; about 11.2% of workers reporting work-from-home (about 4.0 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $225,700 — about 35% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $791 (about 32% below the U.S. median rent ($1,163)), and owner-occupancy near 84.4% (about 19.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 45118 in Lake Lorelei, OH, a household would need roughly $62,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,450. That sits below the local median household income ($92,469), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Lake Lorelei CDP, OH as Relatively Low (composite score 62.6), which is near the middle of the national distribution. The strongest component scores on US5 are flood (75.0) and wildfire (60.7). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Lake Lorelei CDP, OH show little to no average snow and around 46.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 161 for ZIP 45118 (Lake Lorelei CDP, OH) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.